parents
When he causes the accident
Very simple, the insurance policy follows the vehicle not the driver. In this case, the vehicle insurer will be responsible for all damages.
You are still responsible for her and her decisions Legally the owner of the vehicle is going to be held liable.
You could be held responsible for any and all damages.
The driver in the end should be responsible.
No
Whoever the victim is, their auto insurance will cover medical bills. This happened to me... As long as there was no auto accident and no damage to the vehicle, your auto insurance will pay for your injuries. If there is an auto accident that causes you to fall out of the moving vehicle, I am not sure how that would work...
The fact that you hold someone's power of attorney does not make you legally responsible for their actions. You are legally responsible for your own actions, of course. If as part of a settlement for the car accident you were supposed to issue a payment from an account of theirs that you have power of attorney over and you don't, you could both be in trouble over that, but the car accident itself would not be your fault.
In the short story "The Accident" by Joan Aiken, Sandy causes the accident that injures the girl while driving his father's car recklessly. He loses control of the vehicle and crashes into the girl, resulting in her injury. The story highlights the consequences of irresponsible behavior and the impact it can have on others.
In most states if an obviously intoxicated person continues to be served drinks and causes an automobile accident, the host/server/bartender that continued to serve drinks while knowing the person was obviously intoxicated is partially responsible and can be criminally prosecuted for the accident as well as the drunk person involved in the accident.
While your insurance company only cares who pays the insurance policy, the DMV doesn't care who owns the car. The driver who causes the accident will have it show up on his/her driving record (if there was a ticket issued).
Whoever causes the accident.